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  • Understanding Investing For Retirement [View article]
    I had it happen in the midst of my highest earning years. By the time I retired they were long gone, and I had had the benefit if 3 generations living in the same home. Yes, benefit.

    After I retired we moved into a home that is large enough for two but no more than that. Some things you can prepare for. ;-)
    Dec 10, 2014. 02:04 PM | 5 Likes Like |Link to Comment
  • Understanding Investing For Retirement [View article]
    My attitude toward bonds is that they are intended to provide 'guaranteed' fixed income and a diversification anchor to balance the non-guaranteed income of stocks. There are two problems with the income guarantee, one being default risk (but not for Treasuries), and the other being inflation degradation.

    If Treasuries were yielding in the mid-teens like they were 30-some years ago, and inflation were not what it was then, I would own them happily, but that is not the world we live in. I don't see any reason to own bonds now, but I do see great value in my pensions, one of which - SS - is linked to inflation. Pensions provide my fixed income.

    Just to get a sense of how much I would have to invest in 10 year Treasuries to get the same income that I get from my pensions, I would have to own considerably more than my stock portfolio for the same income.
    Dec 10, 2014. 01:52 PM | Likes Like |Link to Comment
  • Understanding Investing For Retirement [View article]
    The RMD percentage hits 4.05% at age 73 and increases every year thereafter, so at age 80 the percentage is 5.35%. An IRA that is heavy on utilities, for example, will have trouble keeping up based solely on dividends.
    Dec 10, 2014. 01:41 PM | 2 Likes Like |Link to Comment
  • Tax-Loss Harvesting For BDCs [View article]
    I did misunderstand.
    Dec 9, 2014. 09:57 AM | 3 Likes Like |Link to Comment
  • Tax-Loss Harvesting For BDCs [View article]
    "above the 30 level or down thru the 70 level"

    Which it cannot do. However, it can move BELOW the 30 level or UP thru the 70 level.

    I do not use the RSI for sell decisions because 1) I buy to collect dividends so I am not looking for trades, and 2) bull runs can go on for a long time and so high RSI values can persist. However, in my experience an RSI of 20 is a good buy indicator, and an RSI below 20 is excellent though very rare. It takes an extended panic selloff for RSI to go below 20, and panic selloffs are where bargains are found.
    Dec 9, 2014. 09:07 AM | Likes Like |Link to Comment
  • 5 Lessons Learned About Investing In Dividend Growth Stocks [View article]
    You cannot convert your RMD into your Roth. Conversions may be made only with the amount of the distribution that exceeds the required minimum.
    Dec 9, 2014. 09:00 AM | Likes Like |Link to Comment
  • Tax-Loss Harvesting For BDCs [View article]
    Published RSI readings become rapidly out of date. Every trade at a different price can change RSI, and high volatility changes RSI a lot. If you see volatility as opportunity, then RSI is a very good measure of opportunity. Extreme RSI readings are very short lived measures of great opportunity, and for most stocks, extreme RSI readings are rare.

    What we are seeing today in PSEC will not last long. Since my last comment above, RSI has risen for PSEC.
    Dec 8, 2014. 04:07 PM | 1 Like Like |Link to Comment
  • Tax-Loss Harvesting For BDCs [View article]
    RSI for PSEC is currently ~14. The comment above is seriously out of date.
    Dec 8, 2014. 01:47 PM | 2 Likes Like |Link to Comment
  • 48 MLPs For Income: Are The 10% To 20% Yields For Real, Or Too Good To Be True? Part 4 [View article]
    Wells Fargo produces excellent MLP research.
    Dec 7, 2014. 12:17 PM | 1 Like Like |Link to Comment
  • Oil Prices Will Rise Based On Fundamentals And Geopolitics [View article]
    elliot,

    We have seen many midstream bargains in the selloff spasms and I expect we will see more. Always keep dry powder for times like these.
    Dec 7, 2014. 01:59 AM | Likes Like |Link to Comment
  • Dividend Growth's Not-So-Nifty Fifty [View article]
    Higher than CDs?
    Dec 6, 2014. 01:45 PM | 3 Likes Like |Link to Comment
  • Is This THE Fund For Dividend Growth Investors? [View article]
    Is DGI the blue pill or the red pill?
    Dec 6, 2014. 12:25 PM | 3 Likes Like |Link to Comment
  • Reinvesting Dividends Turbo-Charges Total Returns And Helps Protect Against Market Panic [View article]
    My guess is that 'average' is used so that unsophisticated investors will not be put off by 'compound' or 'geometric mean'. I also think (without checking) that the SEC has a definition for 'average annual return' that really means compound average.
    Dec 5, 2014. 05:48 PM | Likes Like |Link to Comment
  • 48 MLPs For Income: Are The 10% To 20% Yields For Real, Or Too Good To Be True? Part 4 [View article]
    I think there is a big survivability difference between the two. The midstreamers will not have a problem, unlike some of the E&P names.

    As for 'going after', that is another story entirely. The midstreamers are being sold almost as hard as the upstreamers, and creating some excellent bargains.
    Dec 5, 2014. 03:16 PM | Likes Like |Link to Comment
  • 48 MLPs For Income: Are The 10% To 20% Yields For Real, Or Too Good To Be True? Part 4 [View article]
    arthur,

    Which category of MLPs? E&P, or midstream, or both?
    Dec 5, 2014. 03:06 PM | Likes Like |Link to Comment
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